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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $73,509 | $138,366-46.9% | $184,185-60.1% | $80,911-9.1% |
| Participation rate | 68.6% | 83.9%-15.3pp | 86.8%-18.3pp | 67.6%+0.9pp |
| Annual return | 8.63% | 20.02%-11.4pp | 28.81%-20.2pp | 35.63%-27.0pp |
| Employer contribution / active EE | $1,492 | $4,849-69.2% | $6,426-76.8% | $2,756-45.9% |
| Participant deferral / active EE | $3,875 | $7,074-45.2% | $9,132-57.6% | $4,297-9.8% |
| Admin fee / account holder | $8,458 | $10,484-19.3% | $13,909-39.2% | $6,935+22.0% |